Hours & Locations

Kinney Drugstores have withdrawn from Sharenet’s surcharge-free ATM Network. Helpful hint: Many other retailers offer cash back at checkouts with no fee.

Use the locator below to find a CO-OP Shared Branch or surcharge-free CO-OP ATM near you.

Find fee-free banking and ATMs everywhere you go. International travelers can search for CO-OP locations by using the International Search tool.

Headquarters

1753 Milton Avenue Solvay, NY 13209 (Directions)

Mailing Address:
PO Box 188 Solvay, NY 13209

Phone: 315.488.4433
Fax: 315.488.9201
Toll Free: 1.800.634.9239

Valley Branch

4800 South Salina Street Syracuse, NY 13205 (Directions)

Mailing Address:
PO Box 188 Solvay, NY 13209

Phone: 315.488.4433
Fax: 315.701.2488

Hours

Monday & Tuesday: 9 am – 4 pm
Wednesday & Thursday: 9 am – 5 pm
Friday: 9 am – 6 pm

2026 Holiday Schedule

New Year’s Day	Wednesday 1/1
Martin Luther King Jr. Day	Monday 1/19
President’s Day	Monday 2/16
Memorial Day	Monday 5/25
Juneteenth	Friday 6/19
Labor Day	Monday 9/7
Columbus Day	Monday 10/12
Veteran’s Day	Wednesday 11/11
Thanksgiving	Thursday 11/26
Christmas Eve, close 1 pm	Thursday 12/24
Christmas Day	Friday 12/25
New Year’s Eve, close 1 pm	Thursday 12/31

Tier	Minimum Balance	Dividend Rate	APY 1
1	$0	.20%	.20%
2	$2,500	.40%	.40%
3	$10,000	.60%	.60%

Months	Dividend Rate	APY 1
12	4.04%	4.10%
24	3.70%	3.75%
36	3.50%	3.55%
48	3.45%	3.50%
60	3.40%	3.45%

Tier	Min Balance	Dividend Rate	APY 1
1	$2,500	.35%	.35%
2	$25,000	.40%	.40%
3	$50,000	.45%	.45%
4	$100,000	.50%	.50%

Months	Dividend Rate	APY 1
3	4.42%	4.50%
6	4.19%	4.25%
12	4.04%	4.10%
18	3.89%	3.95%
24	3.70%	3.75%
30	3.60%	3.65%
36	3.50%	3.55%
48	3.45%	3.50%
60	3.40%	3.45%

Account	Dividend Rate	APY 1
Savings Accounts	.05%	.05%
IRA and ESA Savings	.15%	.15%

3-month Certificate 4.5% APY!

Headquarters

Valley Branch

Hours

2026 Holiday Schedule

Headquarters Mailing Address

Contact Us

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 12/19/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹See VISA Credit Card Application Disclosure and Agreement for details

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Minimum loan amount is $5,000 and maximum is $20,000

As of 1/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Payment examples do not include amounts for taxes and insurance premiums, if applicable. Credit union does not offer a fully administered escrow program.

As of 6/1/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Credit union does not offer a fully administered escrow program.

2 Payment examples do not include taxes and insurance premiums, if applicable

As of 1/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Powersport vehicles have a maximum term of 84 months.

As of 11/1/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 A typical auto loan of $40,000 at 6.74% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.

2 A typical auto loan of $40,000 at 7.24% APR would have 60 monthly payments of $631.84 each month and would include a balloon payment due at loan maturity of $12,500.

As of 1/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹ Contact us for rates on older vehicles

Type of Loan ¹	Closing Costs Paid By	Annual Percentage Rate (as low as)
$10,000 – $20,000	Member	6.75%
$20,001 – $50,000	Member	6.50%
$50,001 +	Member	6.25%
$10,000 – $20,000	CU	7.00%
$20,001 – $50,000	CU	6.75%
$50,001 +	CU	6.50%

Type of Loan¹	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed²
Member Pays Closing Costs	60	5.00%	$18.87
	120	5.50%	$10.85
	180	6.00%	$8.44
CU Pays Closing Costs	60	5.25%	$18.99
	120	5.75%	$10.98
	180	6.25%	$8.57

Type of Loan	Term (Months)¹	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	60	5.99%	$19.33
	84	6.49%	$14.84
	144	6.99%	$10.28
	180	7.49%	$9.26
Used 2016 – 2024	60	6.49%	$19.56
	84	6.99%	$15.09
	144	7.49%	$10.55
	180	7.99%	$9.55

Type of Loan	Term (Months)	Annual Percentage Rate¹ (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	36	6.49%	$30.64
	60	6.74%	$19.68¹
	72	6.99%	$17.04
Used 2024 and older	36	6.99%	$30.87
	60	7.24%	$19.91²
	72	7.49%	$17.29

Type of Loan	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	48	5.24%	$23.14
	60	5.39%	$19.05
	72	5.59%	$16.38
	84	6.09%	$14.65
Used 2022 – 2024 ¹	48	5.49%	$23.25
	60	5.64%	$19.17
	72	5.84%	$16.50
	84	6.34%	$14.77

Rewards Card¹	Annual Percentage Rate (as low as)
With Rewards	8.90%
No Rewards	7.90%